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Participation rate is below 70% (account-balance holders / active employees) - enrollment or auto-enroll opportunity.
Administrative expenses exceed $300 per participant per year - possible fee-review opportunity. (Recordkeeping / audit / legal; excludes investment management.)
Annual investment return is in the bottom quintile of the peer cohort.
| Metric | This plan | Peer set | Industry | Size |
|---|---|---|---|---|
| Avg account balance | $61,650 | $89,259-30.9% | $107,187-42.5% | $82,637-25.4% |
| Participation rate | 42.9% | 67.9%-25.1pp | 75.0%-32.2pp | 68.1%-25.2pp |
| Annual return | 11.24% | 21.02%-9.8pp | 204.55%-193.3pp | 53.51%-42.3pp |
| Employer contribution / active EE | $1,134 | $3,080-63.2% | $3,782-70.0% | $2,552-55.6% |
| Participant deferral / active EE | $1,860 | $4,037-53.9% | $5,096-63.5% | $4,126-54.9% |
| Admin fee / account holder | $19,481 | $7,381+163.9% | $9,162+112.6% | $7,339+165.5% |